Vehicle Loans
Whether your purchase is a new or used car, truck, or van, a boat, camper, or RV, the credit union can help you with affordable financing. If you have a pre-approved loan from your credit union you can shop with cash! In some cases 100% financing is available subject to credit information analysis.

Low Rate Auto Loans
Whether you already have your new or used car picked out or just thinking about buying a car, the Credit Union is the place to get your low interest loan. Without the pressure of a salesman over your shoulder, you can weigh your options, work the numbers, compare a lease versus a loan, and see what really makes the most sense for you. By starting early and getting a pre-approved loan, you can go into the dealership with cash in hand - - a real advantage when you're looking to deal.

Consumer Loan
A variety of consumer loans are available for just about any purpose, including computers, vacations, taxes, Christmas shopping or any item you may need or want.

Home Improvement Loans
A fixed loan secured by the equity in your home that is repaid over a specific term. It could be used for adding on to your home, new carpeting or even a new hot tub, you decide!

Mortgage Loans
Fixed rate mortgages with terms up to 30 years are available.

Automatic Loan Payments
May be set up through either your savings or checking account at your credit union. Your loan officer can assist you with this, just let them know which account and when you would like the payment to be made.

Payroll Loan Payment Deduction
Many payroll departments offer automatic deduction from your pay for the purpose of a loan payment. They withhold the payment from your paycheck and send it directly to the credit union. Check with your payroll department or one of our new account representatives to find out if your employer offers this service.

Credit Cards
You may now apply for a VISA credit card through the Credit Union. Low Non-Variable Rate!! NO Annual Fee!! 25 Day Grace Period!!

Consolidation Loans
A consolidation loan from the Credit Union does just what the name says. It lets you consolidate your various debts into a single, manageable loan. So you can trade that stack of bills into a convenient single payment that's easier to manage.

Signature Loans
Signature loans from the Credit Union offers you convenient and quick source of funds without tying up your collateral. Signature loans are available for just about any purpose, including computers, vacations, taxes or even Christmas shopping.

Share or Certificate Secured Loans
The lowest rate available. Security for this loan is the balance of your shares or your certificate of deposit. As your loan decreases, the hold on the secured shares is reduced. Dividends on your secured shares are paid on the entire balance.

Second Mortgage Loans
2nd Mortgages are available to homeowners providing an economical loan based on the equity in your property. Homeowners can take advantage of their good credit and take out a one-time loan at a fixed interest rate. In some cases you can borrow up to 100% of your homes value ($5000 minimum and $50,000 maximum). Loan proceeds can be used for home improvements, bill consolidation, vacations, tuition or purchasing a new vehicle. Interest on this loan may be tax deductible.

First Mortgage Loans
Buying a home can be both exciting and overwhelming. If you're in the market for a new home or would like to refinance your current mortgage, the Credit Union offers a variety of rates and terms to help you get the mortgage that best suits your needs.

VISA Credit Card 
You may apply for a VISA credit card through the Credit Union and take advantage of our Low Non-Variable Rate and No Annual Fee.  A cash advance must take place at one of our office locations as we cannot do this over the phone or by email.  The Credit Union does not charge a fee for a cash advance but the interest will accrue once the transaction takes place.  Keep in mind that if another financial institution's VISA is used for a cash advance at K-State Credit Union, fees apply on their end.  A K-State Credit Union VISA cash advance has the same low interest rate as regular purchases, 11.9%. 

Automatic & Payroll Deduction Payments
You may take advantage of a special interest rate discount by setting up your loan payments from your savings or checking account. Many employers also offer automatic deduction from your paycheck for the convenience of your loan payment.

Payment Protection
As a Credit Union member, you and your family can have the valuable financial protection you need when you take out a loan. Payment Protection can reduce your financial burden and protect your family, your income, your collateral and your credit rating. Ask a Credit Union loan officer for the details.